Terms of Service

Effective Date: April 5, 2026 · Last Updated: April 5, 2026

Please read these Terms of Service ("Terms") carefully before using Crystal Ball. By accessing or using the platform, you agree to be bound by these Terms. If you do not agree, do not use the service.

1. About Crystal Ball

Crystal Ball is a medical underwriting query platform operated by [Company Legal Name] ("Company," "we," "us," or "our"). The platform enables licensed insurance agents and agencies to query carrier underwriting guidelines and policy data using natural language.

Professional Use Only: Crystal Ball is intended exclusively for licensed insurance professionals. The platform does not provide medical advice, legal advice, or binding carrier commitments. All underwriting decisions remain with the respective carriers.

2. Eligibility and Account Registration

To use Crystal Ball, you must:

Be at least 18 years of age
Be a licensed insurance agent, broker, or authorized agency employee
Provide accurate and complete registration information
Maintain the confidentiality of your account credentials

You are responsible for all activity that occurs under your account. Notify us immediately at support@crystalballunderwriting.com if you suspect unauthorized access.

We reserve the right to refuse registration or terminate accounts at our discretion, including for violation of these Terms.

3. Acceptable Use

Permitted Uses

You may use Crystal Ball to:

Query carrier underwriting guidelines and drug/condition policies
Run scenario analyses for client cases (using de-identified or appropriately authorized client data)
Save, share, and collaborate on queries within your team
Export and reference query results for professional insurance placement decisions

Prohibited Uses

You may not:

Use the platform for any unlawful purpose or in violation of applicable insurance regulations
Attempt to reverse-engineer, scrape, or systematically extract data from the platform or its underlying database
Automate queries in a manner that circumvents rate limits or burdens our infrastructure
Share account credentials with unauthorized parties
Use the platform to generate misleading or fraudulent carrier compliance representations
Input protected health information (PHI) as defined by HIPAA without appropriate authorization and safeguards
Transmit malicious code, conduct penetration testing, or attempt to exploit security vulnerabilities
Misrepresent query results to clients, carriers, or regulators

4. Client Data and Health Information

You may enter client health information (age, state, medical conditions, medications) into client profiles for scenario analysis. By doing so, you represent and warrant that:

You have obtained appropriate authorization from the client to use their health information for underwriting analysis
Your use complies with all applicable state insurance regulations and federal privacy laws
You are acting as an independent professional responsible for your own compliance obligations

We provide technical safeguards (encryption at rest and in transit, access controls) but we are not a covered entity or business associate under HIPAA solely by virtue of your use of the platform. You bear responsibility for your own HIPAA compliance obligations.

5. Intellectual Property

All platform software, interfaces, compiled carrier data, query results, and associated intellectual property are owned by or licensed to the Company. These Terms do not transfer any ownership rights to you.

You retain ownership of content you create, including saved queries, notes, and client profiles. By storing this content on the platform, you grant us a limited license to process and display it solely to provide the service.

You may not copy, reproduce, redistribute, or create derivative works from any carrier policy data, underwriting guidelines, or compiled database content accessed through the platform without prior written consent.

6. Data Accuracy and No Warranties

Crystal Ball aggregates and presents carrier underwriting guidelines sourced from carrier-provided materials and public regulatory filings. While we strive for accuracy:

Carrier guidelines change frequently and may not always be reflected in real time
Query results are informational only — they do not constitute binding carrier decisions
You must independently verify current carrier guidelines before placing coverage

No Professional Advice: Nothing on Crystal Ball constitutes medical, legal, actuarial, or binding underwriting advice. Query results are reference material to support, not replace, professional judgment.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY:

INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES
DAMAGES ARISING FROM RELIANCE ON QUERY RESULTS FOR PLACEMENT OR UNDERWRITING DECISIONS
DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE GREATER OF (A) THE FEES YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS (USD $100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

8. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, directors, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:

Your use of the platform in violation of these Terms
Your violation of any applicable law or regulation
Your misrepresentation of query results to third parties
Your handling of client personal or health information

9. Subscription, Fees, and Payment

Access to Crystal Ball may require a paid subscription. By subscribing, you authorize us to charge your designated payment method on a recurring basis per the plan you select. Subscriptions renew automatically unless cancelled before the renewal date.

Fees are non-refundable except as required by law or as expressly stated in our refund policy. We reserve the right to change pricing with at least 30 days' notice to current subscribers.

Failure to maintain current payment may result in suspension or termination of access.

10. Termination

Either party may terminate your account at any time. You may cancel your subscription at any time through your account settings or by contacting support@crystalballunderwriting.com.

We may suspend or terminate your account immediately and without notice if we determine, in our sole discretion, that you have:

Violated these Terms or any applicable law
Engaged in fraudulent, abusive, or harmful conduct
Compromised the security or integrity of the platform
Failed to pay applicable fees

Upon termination, your right to access the platform ceases immediately. We will retain and delete your data per our Privacy Policy. Sections 5, 6, 7, 8, 11, and 12 of these Terms survive termination.

11. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Louisiana, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms or your use of the platform shall first be subject to good-faith negotiation for 30 days. If unresolved, disputes shall be submitted to binding arbitration under the rules of the American Arbitration Association (AAA), conducted in Bossier City, La, in English. The arbitrator's decision shall be final and binding.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm. You agree to bring any claim on an individual basis only — class action waivers apply to the fullest extent permitted by law.

12. General Provisions

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding the platform.
Severability: If any provision of these Terms is found unenforceable, the remaining provisions remain in full force.
Waiver: Our failure to enforce any provision does not waive our right to enforce it later.
Assignment: You may not assign your rights under these Terms without our prior written consent. We may assign our rights in connection with a merger, acquisition, or sale of assets.
Notices: Legal notices to us should be sent to legal@crystalballunderwriting.com.

13. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top. For material changes, we will provide at least 30 days' notice via email or in-app notification. Continued use of the platform after the effective date constitutes acceptance of the revised Terms.

14. Contact

Crystal Ball — Legal
Email: legal@crystalballunderwriting.com
Support: support@crystalballunderwriting.com
Address: [Company Address]